Can I Lose My House Due To An At-Fault Car Accident in PA?

When you are in a car accident, you may be worried about the costs of your recovery and your accident. That is especially true if you are concerned you may be at fault for a car accident in Pennsylvania. Car accidents are costly events, and recovery can be difficult. Because of this, you may be concerned about the expenses that may be placed on you. 

In many cases, the insurance company should step in, but what if they fail to help you during this difficult time? Talk with a Pennsylvania car accident attorney if you are facing a car accident claim, whether you were at fault or not, and need help protecting your home and finances. 

Is Pennsylvania a No-Fault State for Auto Accidents? 

Pennsylvania is a no-fault state for car accidents, which means your home may be protected if your insurance company plays fairly. All Pennsylvania drivers are required to carry personal injury protection (PIP) insurance coverage. This coverage is supposed to support you no matter who is at fault for the accident. 

But not every car accident is between two Pennsylvania residents with the full coverage you need. You may have limited tort insurance, the costs of your accident may exceed your insurance coverage, or someone may be seriously injured or killed. These factors may prevent you from getting the full protection you need. Both parties may have difficulties getting the financial coverage they need without taking the claim to court in these cases. 

Insurance Companies Are Not Your Friends 

While we must pay into an insurance policy that covers our needs, these insurance companies are for-profit businesses. That means they are more interested in protecting their financial security than providing the support you need during this difficult time.

Because of this, you may have a difficult time getting the payout required to cover your accident. That means you may be paying out of pocket for your own injuries, and it can leave you paying if the other party lays the blame on you.

In many cases, this means you may be facing bad faith tactics from the insurance company to avoid covering the cause of the accident. That includes avoiding your calls or even outright denying you coverage for the accident. In these cases, you may need to take legal action against the insurance company if they fail to work with you during negotiations. Your lawyer can represent you throughout this process, from mediation to litigation in the courtroom.

What Happens if You Are At Fault in a Car Accident In Pennsylvania?

When you were involved in a car accident in Pennsylvania and are the at-fault driver, your insurance should provide coverage up to a certain maximum. In Pennsylvania, all drivers are required to carry $15,000 of bodily injury liability coverage per person and $30,000 of coverage for the entire accident. They must also cover $5,000 of property damage and first-party medical benefits coverage.

However, if you are at fault and do not have this coverage, or if the damages of the car accident exceed these insurance requirements, this may leave you open to a lawsuit. In these cases, the other party may take legal action against you to recover the necessary funds. 

When this happens, you may need a lawyer’s help to overcome the suffering and blame you are facing. Your lawyer can represent you in the courtroom and help you avoid pain and massive bills that can put you into debt that leave your home at risk.

Reach out to a PA Car Accident Attorney to Save Your Home 

Your house may be one of your most valuable assets, and when something goes wrong, your house may be on the line. Unfortunately, many people lose their homes due to severe medical and legal debts; without the right support, it is possible to lose your home. 

Fortunately, the attorneys at Kalikhman & Rayz, LLC, are here to protect you from these situations. In cases where you may be blamed for the accident, we can help you minimize the fault you accept and maximize the funds your insurance company should contribute. For car accident victims injured by another person, we are prepared to take on the insurance company to get you the financial support you need. 

When you are ready, reach out for a free consultation. Give us a call or fill out our online contact form.